Registering with the HDMF (Pag-Ibig Fund)

Per Republic Act 7742 which was fully implemented on January 1, 1995, membership to the Pag-Ibig Fund shall be mandatory for all employees covered by the Social Security System (SSS) and/or the Government Service Insurance System (GSIS) and earning at least PhP4,000 a month. This mandatory coverage extends to expatriates whose age is up to 60 years old and who are compulsorily covered by the SSS.

Membership for employees who are earning less than PhP 4,000 a month, including those who belong to other working groups, shall be on a voluntary basis.

Requirements for Individual Payors (IP)

Self-Employed

• Latest Income Tax Return (ITR) with Financial Statement of the previous year certified by a Certified Public Accountant (CPA)
• Certificate of Remittance/Employees Statement of Accumulated Value (ESAV) (for old members)
• Two 1×1 ID pictures
• SEC or DTI Registration (should be under the member’s name)
• Business Permit or Mayor’s Permit